MSE News: Guest comment: MoneySaving tips for people facing the extra costs of disabi

Members of charity Scope's online community share their MoneySaving tips for cutting the extra costs of disabilities...
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Guest comment: MoneySaving tips for people facing the extra costs of disabilities

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  • BlondeHeadOnBlondeHeadOn Forumite
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    I'm disabled, so I read this thread with interest. I would say that many of these tips are for a general audience, not necessarily disabled people. Which is okay, but I was expecting something more specific.


    Good attempt though!
  • edited 23 June 2015 at 4:02PM
    dazzy04dazzy04 Forumite
    2 Posts
    edited 23 June 2015 at 4:02PM
    Indeed, very useful tips here for a general audience, but I too was expecting something a little more specific.

    I would suggest that people contact their local social services team before purchasing any assistive devices as sometimes these can be provided free of charge.

    Also, for deaf people, fire brigades will often provide a vibrating pillow pad and/or flashing light for the fire alarm.
  • Butterfly_BrainButterfly_Brain Forumite
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    dazzy04 wrote: »
    Indeed, very useful tips here for a general audience, but I too was expecting something a little more specific.

    I would suggest that people contact their local social services team before purchasing any assistive devices as sometimes these can be provided free of charge.

    Also, for deaf people, fire brigades will often provide a vibrating pillow pad and/or flashing light for the fire alarm.

    Great bit of information, thank you.
    Blessed are the cracked for they are the ones that let in the light
    C.R.A.P R.O.L.L.Z. Member #35 Butterfly Brain + OH - Foraging Fixers
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  • Butterfly_BrainButterfly_Brain Forumite
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    Covers for scooter baskets are really expensive, I use a shower cap and it works a treat.

    Make sure that if you buy anything for your disability you can claim back any VAT on it.

    Incontinence pads for the bed are a rip off, use puppy training pads instead, they work just as well.
    Blessed are the cracked for they are the ones that let in the light
    C.R.A.P R.O.L.L.Z. Member #35 Butterfly Brain + OH - Foraging Fixers
    Not Buying it 2015!
  • BaldacchinoRBaldacchinoR Forumite
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    Cost of Disability - shoes. I saw a comment about how someone had adapted shoes to suit the disability. I have for more than 10 years had shoes made to measure for me via the NHS free of charge. I can get 2 pairs every 2 years but after having two pairs made, I did not re-order until 9 years later! You need a referral from your GP or specialist. My last two pairs would have cost me £85 a pair if I had to pay for them or buy them myself.
  • Likewise, it seemed a bit general to me also but what I've found most financially restricting is the 'being on benefits' part of disability. Obviously many disabled people do still work but I am not one of them and anything credit related seems to mean automatic refusal or astronomical interest because my only income is benefits.

    Even my local credit union refuses micro-loans to the unwaged now, let alone national companies who might be offering 0% credit card deals I could benefit from. I am locked into my old pre-GFC credit card at around 20% interest which seems to be the personal representative rate I am offered when I DO qualify for credit, even though the advertised headline rates are less than half that. :mad:

    The stupid thing is my credit record should be excellent. I'm completely out of debt now and have lived in the same place for almost a decade, yet when I went to open a new bank account at a more local branch of a different chain of money shops all they would offer was a basic cash account. I had to wait another year and try another brand before I could get a normal bank account with a cheque book, a savings account, and a matching offer for an overdraft (though at similarly sucky rates).
    If you think reality makes sense, you're just not paying attention!
  • edited 24 June 2015 at 11:57AM
    rogerblackrogerblack Forumite
    9.4K Posts
    edited 24 June 2015 at 11:57AM
    Make sure that if you buy anything for your disability you can claim back any VAT on it.

    Not quite true.
    You can't claim back VAT.
    The seller has to sell it to you without VAT.
    It has to be in general 'substantially adapted or manufactured for the disabled'.

    You can't buy a 'silent night dreamysnooze1000' and get VAT back - even though it is only purchased for your disability.
    You may be able to get a matress sold for those with spinal conditions, or especially waterproofed.

    The only specifically disability related tip would be somewhat depressing.
    If you are likely to be the beneficiary of someone else in a will, other than a spouse, and given things other than a house you will live in, then generally this will eliminate income-related benefits.

    You will be expected to live exactly the same as you did while on benefit, or you may be treated as if you still have the money even when it's run out.

    With a properly structured will, and a trust arranged by the giver before death, a trust can be setup to pay certain costs for you, and not affect benefits at all.
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